Re: I Went Against What Everyone Has Suggested...

i started the same with them. i think about 500.00 cl. I opened 2 or 3 cl with them. closed all but 2. this year combined the two 81k. waited call the number and got 13,5k. Also opened biz card at 1k called the number got 3k.

during this time got intrest rate reduction, and some other stuff. intrest rate can not go any lower.

this is one of my oldest cl.

if i may assume they are one of the better ccc's to use when rebuilding or building credit

Re: I Went Against What Everyone Has Suggested...

If you keep the card, call and speak with a rep about a CLI. The sutomated will rpobably never give you one. Use hte backdoor number as suggested here. I call at every opp...lol. It was my loset limit card but has since been increased 4 times I thinkk I will have had it for a year in Dec.

Re: I Went Against What Everyone Has Suggested...

Don't be so hard on yourself. We all had to rebuild (well, those of us who had to rebuild) from somewhere. I made a bad mistake after I was already getting good credit- I got so greedy as the promos were flooding my mailbox- 3 and 4 a day, I apped for an HSBC w/o reading fine print- it had an AF!!! I never had to have an AF card! So I was stuck w/ it. Long story anyway, refused to activate it and they hounded me by phone for weeks.

So anyway, it is just part of the learning lesson. And as the others say, it is not a bad one. Just manage it like it needs to be managed.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.